Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Nov 16, 2018

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Trying to find better insurance rates for your Honda Odyssey? Having to pay for high-priced Honda Odyssey insurance can stress out your accounts and force you to make tough financial choices.

Vehicle owners have so many auto insurance companies to buy insurance from, and though it is a good thing to have a selection, too many choices makes it more difficult to find the lowest rates.

It’s important to do price comparisons occasionally because insurance prices are variable and change quite frequently. Even if you think you had the best rate for Odyssey coverage on your last policy a different company probably has better premium rates today. Ignore everything you know about insurance because I’m going to teach you one of the best ways to find better rates and still maintain coverage.

Finding affordable coverage is quite easy. Just about anyone who is required by state law to have insurance coverage will most likely be able to find lower rates. But drivers do need to know the way insurance companies sell online.

Buy insurance online

Performing a rate comparison can take hours if you aren’t aware of the most efficient way to do it. You can waste hours talking about coverages with insurance companies in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many popular insurance companies participate in an industry program where insurance shoppers send in one quote, and each participating company returns a rated price for coverage. This system prevents you from having to do repetitive form submissions to each individual insurance company.

To find out what other companies charge click here to start a free quote.

The one disadvantage to using this type of system is that consumers can’t choose the insurers you want pricing from. If you prefer to choose from a list of companies to compare, we have a listing of low cost insurance companies in your area. Click to view list.

Which method you use is up to you, but try to use identical coverages on every price quote you get. If you use higher or lower deductibles you can’t possibly get a fair rate comparison. Slightly different insurance coverages or limits could mean much higher rates. And when price shopping your coverage, comparing more quotes increases your odds of finding the best rates.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Discounts for cheap insurance rates

Companies that sell car insurance don’t always list every discount they offer very clearly, so the list below gives a summary of some of the more common and also the more inconspicuous credits that may apply to you.

  • Senior Citizens – Seniors may be able to get lower premium rates for Odyssey coverage.
  • Include Life Insurance and Save – If the company offers life insurance, you could get a small discount if you purchase life insurance.
  • Student Discounts – Being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save a little off the medical payments premium.
  • No Claims – Drivers who stay claim-free get the best insurance rates compared to frequent claim filers.

As is typical with insurance, many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, nobody gets a free ride.

Car insurance companies who might offer most of the discounts above are:

When quoting, ask each company what discounts are available to you. Depending on the company, some discounts might not be offered on policies everywhere. If you would like to choose from a list of insurance companies with discount insurance rates, click here.

Insurance cost influencing factors

Smart consumers have a good feel for the factors that go into determining your policy premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that could result in big savings. Multiple criteria are taken into consideration when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, but some are more obscure such as whether you are married or your vehicle rating.

  • Certain vocations pay higher insurance rates – Do you work in a high-stress field? Careers like military generals, business owners and medical professionals generally have higher rates than the rest of us due to job stress and incredibly demanding work hours. Other occupations like farmers, engineers and homemakers receive lower rates for Odyssey coverage.
  • Older drivers save more – Older people are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations.Teen drivers are proven to be careless and easily distracted when driving so insurance rates are higher.
  • Cheaper rates with high coverage deductibles – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some instances where coverage would apply are running into the backend of another car, damage caused by hail, and burglary. Deductibles for physical damage tell how much you are required to pay in the event of a claim. The more money you pay before a claim is paid (deductible), the less your company will charge you for insurance for Odyssey coverage.
  • Liability is important – The liability section of your policy provides coverage if ever you are responsible for causing personal injury or damage in an accident. It will provide legal defense coverage which can cost a lot. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out if you will benefit from professional help.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Does medical payments coverage apply to all occupants?
  • Should I have a commercial auto policy?
  • Does coverage extend to Mexico or Canada?
  • What if I don’t agree with a claim settlement offer?
  • What if I total my 1999 Honda Odyssey and owe more than it’s worth?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Are insurance coverage companies telling the truth?

Well-known insurance coverage companies like Allstate, GEICO and Progressive endlessly run ads on television and other media. They all say the same thing about saving some big amount just by switching to their company. It sounds good, but how can they all give you a better price? This is the trick they use.

Most companies have strict underwriting profiles for the type of customer that makes them money. A good example of a preferred risk may be married and over the age of 30, is a homeowner, and has a short commute. Any customer who fits that profile will probably get cheap rates and is almost guaranteed to cut their rates substantially.

Potential customers who may not quite match those standards will be charged higher prices with the end result being the customer not buying. If you pay attention, the ads say “drivers that switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can confidently advertise the savings. That is why you really need to compare price quotes frequently. Because you never know which insurance coverage company will fit your personal profile best.

The coverage is in the details

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages available from car insurance companies.

Auto collision coverage

Collision coverage will pay to fix damage to your Odyssey from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive protection

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, vandalism and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured or underinsured coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability coverage

Liability insurance can cover damage that occurs to people or other property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like repair costs for stationary objects, emergency aid, pain and suffering and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage

Med pay and PIP coverage pay for bills for things like hospital visits, chiropractic care and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

A fool and his money are soon parted

We just presented many ways to lower your 1999 Honda Odyssey insurance car insurance rates. The key concept to understand is the more companies you get premium rates for, the better your comparison will be. You may even find the biggest savings come from a small mutual company. Regional companies may have significantly lower premium rates on certain market segments compared to the large companies like Progressive and GEICO.

Cheaper 1999 Honda Odyssey insurance is possible from both online companies and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. There are still a few companies who may not offer the ability to get a quote online and most of the time these smaller companies work with independent agents.

Additional detailed information can be read in the articles below: